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get access to what you need

Get Access to Products & Services  You Need

From TVs to couches to dental care and car repair, American First Finance has partners that can help you get what you're looking for without having to pay for it all upfront.
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furniture
Light blue icon representing furniture
appliances
Light blue icon of a washing machine representing appliances that you can pay as you go
auto
Light blue icon of a car representing the auto care you can get and pay as you go
vets & pets
Light blue icon of a dog paw print representing the veterinary care and pet supplies you can get and pay as you go.
tattoo
Light blue icon of a shining sun representing the tattoos you can get and pay as you go
dental
Icon of a tooth representing the dental services you can afford with payment solutions through American First Finance

Making Ownership Possible

A man and woman smiling as they position their new furniture in their living room that they just leased with no credit needed and affordable payment options
  • Approvals from $300 up to $5,000*
  • Fast & easy approval process
  • Affordable payments based on your pay cycle
  • No credit needed^
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How It Works

We make it easy to get started. 
  1. Enter ZIP Code to find stores & services available.
  2. Click "Apply" to start your application.
  3. Take your approval* to the applied store.
  4. Relax knowing there's one less thing to worry about.
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What Others Are Saying About AFF†

Five Star review from this customer for American First Finance

Highly Recommend

"I received great excellent customer service from American First Finance, and I was able to pay the remaining balance within the 90+ days."

Nikki P.

Five Star review from this customer for American First Finance

Finally Able to Purchase

"I have nothing but good words to say about my experience I had with them! I was able to purchase something I've wanted for quite a while by using their financing service. They also made it incredibly easy from start to finish."

Joe H.

Five Star review from this customer for American First Finance

Completely Satisfied

"I was completely satisfied with American First Finance. No hassle, no pressure easy payment plans. I highly recommend them to my friends."

Josephine M.

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^Approval is possible without a credit score, but credit may be checked.

*Subject to approval and standard underwriting criteria. Applications may be for payment solutions through American First Finance or loans from FinWise Bank, a Utah-chartered bank, Member FDIC. Products may vary by location. Terms and conditions subject to change at any time without prior disclosure or notice. New customers may be approved for loan amounts up to $3,500 and returning customers up to $5,000. See agreement for details.

†Testimonials appearing on this advertisement are received in various forms via a variety of submission methods. The testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary. American First Finance/AFF does not claim, nor should it be assumed, that any individual experience described is typical or representative of what other consumers might experience.

Retail Installment Contracts: The transaction described is a retail installment sale agreement and is subject to approval and verification. Terms and conditions subject to change at any time without prior disclosure or notice.

Leases: Subject to approval. Approval is possible without a credit score, but we may check credit. The transaction advertised is a lease, lease-to-own or rent-to-own program, or rental-purchase agreement. Instead of paying interest, you will pay rental fees on top of the retail price. The lessee will not own the property until the Total Cost of Ownership is paid either by payment of the total of payments over the full term of the agreement or by prepayment as provided for by law. Other fees may apply. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available at participating locations where permitted by law. Terms and conditions subject to change at any time.

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To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855)721-1188.

This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institution Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504
To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website.
New Mexico NMAC | New Mexico Consumer Informational Brochure | New Mexico License

Attention New York City Customers: Click for important information about language access services

All retail installment contracts and lease-to-own agreements are arranged or made by American First Finance, a licensee in certain states. All installment loans are originated by FinWise Bank, a Utah-chartered bank located in Murray, Utah, member FDIC, and serviced by American First Finance. Because American First Finance services FinWise Bank installment loans, please contact American First Finance regarding any questions about your FinWise Bank installment loan. Click here to contact us.